Subprime lenders can make money by turning their rejections into counseling referrals, and ultimately into new customers. "Lenders are rejecting huge numbers of their clients, who they are just throwing away," said Jordan Goodman, director of marketing for Debt Relief Clearinghouse. The nonprofit is one of a growing number of firms that offer counseling and debt management programs to debt-strapped borrowers, allowing them to pay off their obligations sooner. Such firms have been able